Engineering liability insurance? & Video

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Inside California: Car Rental Insurance Requirements, california automobile liability insurance.

#California #automobile #liability #insurance


What bad things can happen?

There are several bad things that can happen to car renters in California:

  • Third Party Liability. Damaging someone else (bodily injury or property damage) and getting sued by the injured person. The potential loss depends of course on the amount of damage caused, culpability of the driver (racing cars while intoxicated will not help), and attorney and court related fees. This liability can be very large and drivers who have caused a lot of pain and suffering have been successfully sued for many thousands to millions of dollars.
  • Theft if renter is careless. Having the car stolen when the renter has NOT exercised “ordinary care” (e.g. leaving the keys in the car and doors unlocked). The charge depends again on the fair market value of the car and any administration charges (including loss of use). Charges could be as as high as $40,000 when renting a mid-sized car.
  • Collision/Loss for whatever reason. Damaging the rental car (regardless of who is at fault) and getting charged by the rental company for repairs and loss of use. The charge depends on the damage to the car (up to fair market value), how long it takes to repair the damage and any administration charges (including loss of use). However, the charges are capped by California Civil Code Section 1936 if the car is vandalized but not stolen: The most the renter is responsible for is $500.
  • Personal Accident Medical Costs. Getting personally hurt from an auto accident and having to pay medical bills. The risk depends on whether someone else is at fault and has money/insurance to reimburse the renter; and also the extent of the injuries. A standard emergency room visit with X-rays can easily cost $2,000 while emergency surgery may cost over $50,000.
  • Personal Effects Loss. Having personal items (e.g. luggage) stolen or damanged while in the rental car.

Besides the monetary loss, there is the hassle of dealing with rental car companies, lawyers and paperwork needed to resolve these issues. Hopefully, nothing bad will ever happen but it is important to understand what can go wrong first. Then decide: Do I care about these bad things enough to pay the extra $$ to insure against it?

California Law Requiring Insurance

According to California DMV, The following minimum liability insurance is required for private passenger vehicles:

  • $15,000 for injury/death to one person. (Also known as bodily injury liability)
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property. (Also known as product damage liability)

Third party liability insurance compensates a person other than the driver for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements. It covers the situation where you hit and break someone’s leg (bodily injury) or run over someone’s fence (property damage).

The only required insurance coverage when renting cars in California is third party liability. Of course, many people choose to get insurance over and above what is legally required. Drivers must also carry proof of liability insurance (your own insurance card or the car rental contract if liability coveerage was purchased) as that is required by law.

What is automatically covered?

For California, rental car companies do not automatically provide any liability protection to the renter as part of the standard rental agreement. However, some (e.g. Hertz) may provide the minimum primary liability protection to international customers (driver’s license indicates an address outside the USA) renting in California.

This means drivers need to provide their own liability insurance when renting in California. In general, US residents should already be covered by their regular auto insurance but drivers need to confirm that they have the minimum level of liability insurance from their own insurance company. If not, renters will need to purchase purchase liability insurance (LIS or SLI) through the car rental company, or a non-owner liability policy through an agent or your favorite insurer like Geico, Progressive, etc).

According to California Civil Code Section 1936, the renter is covered for theft (and vandalism damage as a result of theft) as long as the renter has exercised ordinary care. The renter is also covered for vandalism with a $500 deductible in cases other than theft. So purchasing additional coverage for theft and vandalism (assuming the renter plans to exercise ordinary care) is typically not needed.

The other risks (collision damage to the rental, theft when renter is careless, personal accident medical or having personal effects damaged/stolen) are not automatically covered by rental car companies. So while not required by law, the renter has the option to purchase coverage to protect against the risk. In many cases, the renter already has coverage through somewhere else (e.g. their own auto insurance or personal liability policy, their health or life insurance, or their credit card company).

The rates for additional coverages are typically not included in price quotes from direct booking sites in the US whereas International visitors who book rental cars through overseas booking services (e.g. http://www.hertz.com.au, http://www.avis.co.uk/ or rentalcars.com) will typically find 3rd part/supplementary liability insurance and Collision/Loss Damage Waiver bundled into the daily rate. So, always check terms and conditions for quotes when booking or comparing rates.

Exclusions and limits to coverage

There are some important exclusions to note in some of the coverages sold by car rental companies.

Liability insurance sold by rental car companies will typically cover liability up to $1 million. This means if a renter is successfully sued for $5 million, the insurance company will pay the $1 million and the renter is personally responsible for the rest (less any other insurance the renter has).

Personal Accident Insurance (which covers the renter’s medical bills) typically has an upper limit that is low — only $2,500 for Hertz and Avis. Note that the renter is typically covered only for accidents while in the car and not while falling on a hike or getting food poisoning in a restaurant. Other exclusions may also apply. Visitors to the United States who need temporary health insurance that cover them inside or outside a car for more than $2,500 can obtain them from different insurance agencies that specialize in travel insurance for overseas visitors (e.g. moneysupermarket.com and many others).

It is also important to note exclusions to the Loss Diamage Waivers (LDW/CDW) sold by car rental companies. LDW is not insurance; it is a waiver of the right for car rental companies to sue for damages. Typical exclusions which invalidates LDW (in California) include (but may not be restricted to):

  • Intentional damage to the rental car
  • Towing or pushing anything
  • Driving while intoxicated or under the influence of drugs
  • Driving in a reckless, wonton or dangerous manner’
  • Using the car for commercial hire, or while committing a felony
  • Driving on unpaved roads (if the damage or loss is a direct result of the road/driving conditions)
  • Driving outside the US or Canada
  • Use of car by an unauthorized driver (other than the renter or spouse of legal age with valid drivers license)

This means that any damage to the car under the circumstances above will not be covered by LDW. Each rental car company has different rental agreements so read your rental car agreement for the exact exclusions. If you are covered by your own insurance, understand the exclusions of your own insurance when deciding whether there is duplicate coverage.

Bottom Line: Which Car Rental Coverage is required?

Third party liability is ALWAYS required so be sure you have that. For others, decide whether you want to pay the additional charges BEFORE you walk up to the rental counter. For many visitors from overseas, collision damage waivers provide peace of mind and California regulates the price so there should be no difference in the cost of coverage among car rental companies.

Decide before hand so you won’t be confused and end up paying for coverage you don’t need or want. For those who HATE being “sold” additional insurance, consider signing up for frequent renter programs where insurance coverage decisions are made before hand and all you do is pick up the car and skip any “hard sell tactics”.

Here’s a summary matching the risk with the coverages offered:




Commercial Auto Liability Insurance – Nationwide, automobile liability insurance coverage.

#Automobile #liability #insurance #coverage


Protect your business fleet with commercial auto liability coverage

Automobile liability insurance coverage

Business auto liability insurance is an important safeguard for your business. If you or an employee is sued following a serious accident in a car or truck you own, liability insurance helps protect your company’s assets.

Who needs commercial auto liability insurance?

You need this protection if:

  • Your business owns, leases or rents any vehicles
  • Employees drive company-owned, leased or rented vehicles
  • Employees drive their own vehicles while conducting business
  • You or your employees drive company cars for both business and personal use

It’s required in most states

Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or their property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial responsibility) is required in most states.

Some states also require underinsured motorist and uninsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost. Collision or comprehensive insurance is often optional.

Is minimum coverage enough?

Minimum required commercial auto liability coverage varies by state, and typically is the same for both personal and commercial auto liability policies. Many companies opt for more than state-minimum coverage. Why? Because if an injured party sues for a larger amount than the minimal policy covers, it could seriously threaten many small businesses.

How much commercial auto liability coverage do you need?

There are no clear rules around how much business auto coverage you need. Nationwide requires at least $100,000 commercial auto liability coverage per vehicle, with a recommended minimum of $500,000 up to a maximum of $1 million.

For even more coverage, consider a business commercial umbrella policy. It picks up where your business auto liability, general liability or other liability coverage stops. Commercial umbrella insurance is an inexpensive way to get extra coverage against bodily injury and/or property damage.

For example, if your current commercial truck liability insurance policy covers you for $1 million and you are successfully sued for $1.5 million, your commercial umbrella coverage can pay the outstanding $500,000 – so you don’t have to.

How do I get commercial auto liability insurance?

Auto liability coverage can be included in a commercial auto insurance policy.

Find an agent and talk to us about what coverage is right for you. Get started protecting your business vehicles today.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.




Liability Car Insurance Coverage from Nationwide, automobile insurance liability.

#Automobile #insurance #liability


Liability car insurance coverage from Nationwide

In most U.S. states, auto liability insurance coverage is a legal requirement for driving a car. Yet the most basic policy may not provide the coverage you need if you’re in a serious accident. It pays to understand liability car insurance and adjust your policy to meet your needs and budget. Learn more about what liability insurance covers and get a liability insurance quote today.

What does liability insurance cover?

There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

About bodily injury liability coverage

Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

About property damage liability coverage

Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

Minimum and maximum limits on auto liability insurance

A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

Liability car insurance alone does not cover your car

If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage and comprehensive car insurance coverage help pay for damage to your vehicle if coverage applies. You can also keep your rates low in the event of an accident with Accident Forgiveness.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.




How To Get Affordable Car Insurance, cheapest auto liability insurance.

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How To Get Affordable Car Insurance

Do Some Homework and Don’t Settle for the First Deal

10/20/2011 – By Michelle V. Rafter, Contributor

Cheapest auto liability insurance

Cheapest auto liability insurance

Cheapest auto liability insurance

If you lose your job, take a pay cut or encounter another kind of financial hardship, affordable auto insurance quickly turns from nice to necessity. While it’s easy enough to find companies offering cut-rate car insurance, is that the best way to go?

Not really, according to consumer watchdogs and insurance experts. To find the lowest possible rates from an insurer that’ll be there when you need it, learn what type of coverage you must carry, research the reputations of insurance companies and take advantage of every possible discount for which you’re eligible, experts say. They also recommend checking out pay-as-you-drive policies that peg premiums to how many miles you put on your car each year. Finally, if you’re eligible, look into low-cost auto insurance programs that such states as California, Hawaii and New Jersey offer to people with very low incomes.

When it comes to buying affordable car insurance, you’re your own best advocate. At the same time, it’s not always easy to take on that role, says J. Robert Hunter, a former Texas insurance commissioner and insurance director at the nonprofit Consumer Federation of America in Washington. Don’t settle for the first insurance company or agent you find, Hunter says. Shop around. “That’s how big buyers of insurance do it,” he says. “They put it out for competitive bids. That’s what you should do, too.”

Here’s a step-by-step guide to finding the lowest rates without getting ripped off:

1. Start with the car. What you pay for comprehensive and collision coverage depends on the year, make and model of the car you drive. Generally speaking, the newer, more expensive the vehicle, the higher the premium. Rates for comprehensive and collision coverage don’t vary much, so if you can’t afford to pay a lot for insurance and you’re in the market for a car, buy one that’s inexpensive.

2. Know your limits. Most states have set minimums for liability insurance coverage, both for bodily injury and property damage. Look up coverage minimums here or on your state insurance commission’s Web site. The National Association of Insurance Commissioners lists insurance commissions in all 50 states and U.S. territories. If you’re taking out a loan to purchase a new or used car, the lender will likely require you to carry a certain level of comprehensive and collision coverage, according to the NAIC.

3. Take the highest possible deductible. Want an easy way to lower your premium? Take a high deductible. By opting for an annual deductible of $1,000 instead of $250, you’ll pay less up front, but should you be responsible for an accident, you’ll foot more of the bill before insurance payments kick in.

4. Check your credit score. Some states allow insurers to take your credit history into account when compiling what’s called an insurance credit score, which they use to calculate your premium. Bad credit because of overdue bills or a personal bankruptcy means you could end up paying more for auto coverage. To improve your insurance credit score, pay your bills on time, monitor your credit report and do anything you can to fix problems that could be lowering your score.

5. Narrow the field. Use the process of elimination to come up with three or four reputable insurance companies or agents to approach for quotes. Start at your state insurance commission’s Web site, which usually lists several dozen of the area’s top insurers. Choose the half dozen or so companies with the lowest prices for coverage that’s closest to what you need. Next, check the reputations of insurers by going to the NAIC’s Consumer Information Source Web site to find the “complaint ratios” for each. Complaint ratios show the number of complaints that consumers filed against a company in a given year and then compare this to the company’s share of all premiums for a specific type of auto policy during that period. The national median is 1.0, and highly rated companies can score well below that.

Here’s exactly how to see where your candidate companies stand. In the search box on the right side of the Consumer Information Source page, type in the name of the insurance company you want to research, your state and “Property/Casualty” for the statement type. From the results page, click on “Closed Complaints.” To see complaint ratios for the company’s auto insurance policies, choose “Closed Complaint Ratio Report” and “Private Passenger.”

If a company’s ratio is substantially higher than the median, go back to your state insurance commission’s Web site to see if regulators have taken action against them. With that information, whittle your list down to the three or four insurers with the lowest complaints. Then contact them directly. Consumers who are really financially strapped to the extent of not having Web access at home for this research can ask a friend or relative with Internet access for help, or use free Internet service at a public library.

6. Find an agent. If the insurance companies you’ve identified as possibilities sell directly to customers, you can plug information into a form on their Web sites, get a quote and have someone contact you. If the companies sell through an agent network, ask friends or family who they use, or go back to your state insurance commissioner’s Web site to look up agents in your area. Give anyone you contact specific details about the coverage you want and let them know you’re comparison shopping. “Say, ‘I’ve talked to this company and got a quote for $480. Can you beat it?'” says Hunter, with the Consumer Federation of America. “Then you’ve put them to the test.”

7. Grab those discounts. Insurers offer a multitude of discounts, including lower rates for drivers with short commutes, retirees, students with good grades or vehicles with safety devices such as car alarms or motorized seatbelts. If you’re over 55, you could lower your premium by 10 percent by passing a defensive driving course, according to the Insurance Information Institute. When you’re talking to agents, don’t forget to inquire about the group discounts that some insurers offer to members of professional organizations or other groups. Companies including State Farm, Auto Club of Southern California and Progressive have begun offering pay-as-you drive discounts, with premiums tied to your annual mileage, with a cap at approximately 19,000 miles. In many of these programs, you report your mileage online or to your agent when your policy’s up for renewal.

8. Consider opting out of some but not all coverage. If you drive an older car and own it outright, consider dropping comprehensive and collision coverage. If the vehicle is really old, you could be paying more in insurance than what it’s worth. But hold onto that liability insurance. It’s illegal in most states to drive without it, and insurers in some states charge significantly higher premiums if you let coverage lapse, even if you haven’t been driving.

9. Investigate state-run low-cost insurance programs. If you live in California, Hawaii or New Jersey, and if your household income is close to or less than the poverty level, you may qualify for state-run low-cost or no-cost insurance programs. Policies under the California Low Cost Automobile Insurance Program, for example, cost less than $400 a year and cover about 12,000 low-income drivers at any given time, according to Doug Heller, executive director of Consumer Watchdog, an advocacy group in Santa Monica, California. He expects more people to sign up as a new state law takes effect that lets agents sell the program online for the first time. “That’s important not just for people who can get online from their homes, but for agencies that provide resources for low-income families,” Heller says. Lawmakers in Nevada and Michigan recently proposed or approved pilots for similar programs.

10. Assess insurance needs and premium costs annually. Life isn’t static, and your auto insurance premiums shouldn’t be either. Review your policy once a year, especially if you’ve moved or switched to a job that has you driving more or less. A review is also a good time to check on whether you’re eligible for additional discounts.


Cheap Car Insurance from Titan Insurance Company, cheap liability auto insurance.

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Cheap liability auto insurance

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Cheap Car Insurance, car liability insurance.

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Getting cheap rates on auto insurance

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side ® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide ® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.


Public liability insurance – Compare quotes

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Public liability insurance

What does public liability insurance cover?

Public liability insurance can cover compensation payments and legal fees if your business is found responsible for injury to a member of the public – such as a client, customer, supplier or passerby – or damage to their property or possessions.

For example, if a roofing company was hired to re-tile a roof but they didn’t use adequate weather protection, resulting in severe water damage, the client could make a claim against them for compensation to pay for repairing the damage. Public liability insurance ensures that the company can meet the cost of the claim, along with any legal expenses.

In summary, public liability insurance may typically cover for:

  • compensation payments for injury or even death to members of the public (e.g. the cost of hospital treatment and ambulance call out)
  • compensation payments for damage to their property or possessions (e.g. the cost of repairing the damage caused)
  • legal expenses associated with defending a claim

Do I need public liability insurance?

You may need public liability insurance if your business comes into contact with members of the public. It covers compensation costs and legal fees if you’re sued for injury or property damage, whether the incident happens at your business premises or as a result of your business activity elsewhere.

Is public liability insurance required by law?

Although public liability insurance is not compulsory under UK law, it may be required by your client contracts. Also bear in mind that some companies are obliged by their regulator or membership body to take out a certain level of business insurance.


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Our staff is led by a former Delaware Assistant Secretary of State. An integral part of this position is to oversee the Division of Corporations. Our president, Jeff Lewis, effectively managed this division, spearheaded international expansion in Delaware, and assisted in moving the Limited Liability Act through the Delaware General Assembly.

Why Incorporate in Delaware?

The State of Delaware has created a pro-business environment with the most forward-thinking, favorable laws for business entities. The state’s proactive approach allows business decision makers to make viable plans. The service-oriented Secretary of State office also helps expedite filings, accepts fax filings and permits remote access to the database by Corporations USA. All of these are reasons why Delaware is America’s corporate address with nearly 60 percent of the Fortune 500 companies organized under the general corporation laws of Delaware.

Why Consider Corporations USA?

We believe in doing business personally without using phone trees or similar communication methods. At Corporations USA your call is answered immediately – effective communication is our number one goal. We strive to meet your requests according to your requirements. To us service is paramount.

  • Annual Representation Fee: $55
  • Certificate of Incorporation: $75 (document preparation fee)
  • Limited Liability Company: $75 (document preparation fee)
  • Good Standing Certificates and Certified Copies: $75
  • Corporate Kits: $100
  • Mail Forwarding/NOT AVAILABLE

All major credit cards accepted.


What Does A Businessowners Policy (BOP) Cover?

#what #does #general #liability #cover


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What Does A Businessowners Policy (BOP) Cover?

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include:

  1. Property insurance for buildings and contents owned by the company — there are two different forms, standard and special, which provides more comprehensive coverage.
  2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
  3. Liability protection, which covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

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Renters Liability Insurance, Travelers Insurance, renters insurance liability coverage.

#Renters #insurance #liability #coverage


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Renters Liability Coverage

Renters insurance liability coverage

In the event that a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability protection can help to cover the associated legal costs and related damages. Most renters policies provide $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others.

What Is Renters Liability Coverage?

In the event that a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages.

For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.

Most renters policies provide $100,000 (minimum) of financial protection against covered liability claims and lawsuits brought by others for accidental bodily injury or damage to their property:

  • While in your apartment.
  • Caused by your personal activities, including most sports.
  • Caused by your children or pets.

Another type of liability coverage in a renters insurance policy is medical payments to others coverage. The renters insurance policy generally can pay up to $1,000 per person for necessary medical expenses regardless of your legal responsibility when a covered accident on your property involves bodily injury to others. It also can provide coverage in other situations as well. Higher amounts of coverage are available.

Renters insurance liability coverage

Renters insurance liability coverage

If You Bundle Your Policies, You Could Save Up to 5% on Car Insurance

How does saving up to 5% sound? That’s what you might be able to save when you bundle your auto and renters policies. There may be additional savings when you purchase other policies from Travelers.

2017 The Travelers Indemnity Company. All rights reserved


Liability Insurance Coverage for Your Car Insurance Policy, what is automobile liability insurance. #What #is #automobile #liability #insurance


Liability Insurance

Summary: Liability Car Insurance

Liability car insurance pays for accidents you cause and is typically required by state law. Find out what it covers and how much you’ll need on your policy.

Liability Car Insurance

When you cause an accident, you will be held accountable for injuries or property damage resulting from that accident.

Costs of injuries and property damage can be expensive. In fact, they can be so expensive that they are generally well out of the average person’s budget. If you are unable to pay, you risk losing your assets, such as your home, in lawsuits.

The best way to protect yourself from huge financial losses after an accident is by having liability insurance.

Types of Liability Coverage

Liability insurance is the most commonly required type of car insurance throughout the various states. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance is composed of the following coverage types:

  • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
  • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.

You can learn more about these coverage types by reading our Bodily Injury and Property Damage Coverage page.

Liability Coverage Limits

Each state that requires drivers to have liability insurance has its own set of minimum limits your car insurance policy must meet. The limit refers to the maximum amount your car insurance company will pay in a claim.

You may notice 2 numbers associated with bodily injury liability coverage:

  • The first number is the limit covered per person in an accident.
  • The second number is a total limit covered if 2 or more people are hurt in the accident.

See the example below to see how minimum limits are typically written out.

Example of Minimum Liability Insurance Limits

While minimums will vary amongst states, you’ll often see them listed as follows:

In many cases, you’ll see the minimum limits written as 15/25/10.

Does Liability Insurance Cover Personal Damages?

Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.

Your own injuries or property damage are not covered through liability insurance.

For information on how to protect yourself when you are hurt in an accident, visit our Medical Payments Coverage page.

To learn how you can get financial protection for damages to your car, visit our Comprehensive and Collision Coverage page.

Liability Insurance Costs

Different factors can go into determining the cost of liability insurance. When comparing car insurance quotes, keep in mind that the following may factor into your rates:

  • Your driving record.
  • The limits you choose for each coverage.
    • You may find that your state’s minimum limit requirements do not provide adequate financial protection.
    • Car insurance companies generally offer higher limits at an increased rate.
  • Your gender.
  • Your marital status.
  • Your credit score.
    • This is not applicable in all states, as some states make it illegal for insurance companies to use your credit score when determining premiums.

No-Fault Insurance and Liability Insurance

If you live in one of the handful of states that requires no-fault car insurance, or personal injury protection coverage, you may still be required to buy liability car insurance.

While your state is considered a “no-fault state, this does not mean that fault is taken completely out of the question after a car accident.

When you are found at-fault for an accident, the other person’s no-fault insurance will pay for his own bodily injury first. You can still be held responsible for injury-related costs the other driver’s no-fault insurance was unable to pay.

Your liability insurance will kick in at this point to help you cover these costs.

Umbrella Insurance

Umbrella insurance is a type of insurance that provides broad financial protection by working in conjunction with most types of liability insurance you have, including:

Umbrella insurance is applied AFTER your liability insurance limits have been used.

If you want further financial protection from injuries or damages you are found responsible for, it is a good idea to purchase this type of car insurance coverage.


Liability Insurance Coverage for Your Car Insurance Policy, automobile insurance liability. #Automobile #insurance #liability


Liability Insurance

Summary: Liability Car Insurance

Liability car insurance pays for accidents you cause and is typically required by state law. Find out what it covers and how much you’ll need on your policy.

Liability Car Insurance

When you cause an accident, you will be held accountable for injuries or property damage resulting from that accident.

Costs of injuries and property damage can be expensive. In fact, they can be so expensive that they are generally well out of the average person’s budget. If you are unable to pay, you risk losing your assets, such as your home, in lawsuits.

The best way to protect yourself from huge financial losses after an accident is by having liability insurance.

Types of Liability Coverage

Liability insurance is the most commonly required type of car insurance throughout the various states. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance is composed of the following coverage types:

  • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
  • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.

You can learn more about these coverage types by reading our Bodily Injury and Property Damage Coverage page.

Liability Coverage Limits

Each state that requires drivers to have liability insurance has its own set of minimum limits your car insurance policy must meet. The limit refers to the maximum amount your car insurance company will pay in a claim.

You may notice 2 numbers associated with bodily injury liability coverage:

  • The first number is the limit covered per person in an accident.
  • The second number is a total limit covered if 2 or more people are hurt in the accident.

See the example below to see how minimum limits are typically written out.

Example of Minimum Liability Insurance Limits

While minimums will vary amongst states, you’ll often see them listed as follows:

In many cases, you’ll see the minimum limits written as 15/25/10.

Does Liability Insurance Cover Personal Damages?

Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.

Your own injuries or property damage are not covered through liability insurance.

For information on how to protect yourself when you are hurt in an accident, visit our Medical Payments Coverage page.

To learn how you can get financial protection for damages to your car, visit our Comprehensive and Collision Coverage page.

DMV.org Insurance Finder

Join 1,972,984 Americans who searched DMV.org for car insurance rates:

Liability Insurance Costs

Different factors can go into determining the cost of liability insurance. When comparing car insurance quotes, keep in mind that the following may factor into your rates:

  • Your driving record.
  • The limits you choose for each coverage.
    • You may find that your state’s minimum limit requirements do not provide adequate financial protection.
    • Car insurance companies generally offer higher limits at an increased rate.
  • Your gender.
  • Your marital status.
  • Your credit score.
    • This is not applicable in all states, as some states make it illegal for insurance companies to use your credit score when determining premiums.

No-Fault Insurance and Liability Insurance

If you live in one of the handful of states that requires no-fault car insurance, or personal injury protection coverage, you may still be required to buy liability car insurance.

While your state is considered a “no-fault state, this does not mean that fault is taken completely out of the question after a car accident.

When you are found at-fault for an accident, the other person’s no-fault insurance will pay for his own bodily injury first. You can still be held responsible for injury-related costs the other driver’s no-fault insurance was unable to pay.

Your liability insurance will kick in at this point to help you cover these costs.

Umbrella Insurance

Umbrella insurance is a type of insurance that provides broad financial protection by working in conjunction with most types of liability insurance you have, including:

Umbrella insurance is applied AFTER your liability insurance limits have been used.

If you want further financial protection from injuries or damages you are found responsible for, it is a good idea to purchase this type of car insurance coverage.

DMV.org Insurance Finder

Join 1,972,984 Americans who searched DMV.org for car insurance rates:

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Cheapest car insurance for an 18-year-old by state, cheapest liability car insurance.

#Cheapest #liability #car #insurance


Cheapest car insurance for an 18-year-old

Cheapest liability car insurance Cheapest liability car insurance Cheapest liability car insurance Cheapest liability car insurance

Even a no-frills car represents a huge expense for the 4 million or so Americans working a minimum-wage job.

But it represents a bigger challenge in some places than in others. Young drivers in Rhode Island and New Hampshire will work nearly three times as long as their counterparts in Illinois to buy liability insurance that meets their state minimum car insurance requirements, according to a CarInsurance.com analysis.

Cheapest liability car insurance

We ranked states by the number of hours needed to buy coverage, comparing their cheapest car insurance for 18-year-olds with their minimum wage.

This is as cheap as insurance gets, and there are few trade-offs available to save further. For example, by law you can t reduce your limits below the minimum amounts. And you can t raise your deductible. There are no deductibles on liability insurance.

According to the Bureau of Labor Statistics, the average hourly wage was $24.57 in December 2014, up from $24.17 per hour a year earlier. The average annual outlay for liability car insurance, says the Insurance Information Institute, was $504 as of 2012.

This means an average worker could buy a year of liability car insurance with about 21 hours of work.

But consider an 18-year-old working an entry-level job. The average state minimum wage as of July 2015 was just $7.92 an hour. And teenagers pay much more for insurance: The average price of a year of bare-bones coverage was $841, according to rates gathered from national car insurance carriers.

At those averages, a year of state minimum liability insurance would require 106 hours of work.

Because both wages and car insurance rates swing dramatically, we looked at affordability by comparing the cost of legal-minimum auto insurance with each state s minimum wage. Young drivers in Rhode Island and New Hampshire had it worst, with 174 hours required to buy the cheapest liability policy we found. A young driver finds much cheaper insurance in Illinois — a year of liability insurance takes just 56 hours of work.

How much is car insurance for an 18-year-old?

We compared rates using the state s cheapest ZIP code for a young driver with a clean record, good credit and previous insurance on a parent s policy. We chose the least expensive rate we found. Unless you re 18, male, a resident of the particular addresses we used and proud owner of a 1997 Ford Taurus, your quotes probably won t exactly match ours, which are only a snapshot of available rates.

They are, however, a good indicator of the financial hurdle confronting teenagers who depend on their own car to commute to school or work.


Types of Car Insurance – Car Insurance Policies – Coverage: Farmers Insurance, liability insurance for car.

#Liability #insurance #for #car


Types of Auto Insurance Coverage

Car insurance can cover injuries and property damage, but different options can cover different situations.

Common Auto Insurance Coverage

Understand the common types of auto coverage and get the insurance you want, to fit your budget.

Liability Coverage

There are two types of liability coverage – coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver’s license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.

Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.

Collision Coverage

If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.

Comprehensive Coverage

If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.

Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.

Uninsured/Underinsured Motorist Coverage

These days, about 1 in 8 driversfooter note* are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.

Medical Payments

If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.

Personal Injury Protection (PIP)

PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.

Many states require drivers to carry a minimum level of PIP coverage.

When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage.

How you’d like to customize your Car insurance depends on your needs, budget, and the amount of coverage you want. Get an Auto insurance quote or work with your local Farmers agent to choose the coverage combinations that provide the best Car insurance coverage at a price that fits your budget.

*According to a 2014 study by the Insurance Research Council (IRC).

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.


Cheap Car Insurance from Titan Insurance Company, cheap car liability insurance.

#Cheap #car #liability #insurance



cheap car liability insurance

Cheap car liability insurance

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Connect with Titan: Cheap car liability insurance Cheap car liability insurance

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Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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Auto Insurance Definitions & Terms, automobile liability insurance definition.

#Automobile #liability #insurance #definition



Auto insurance terms and definitions

Automobile liability insurance definition

Every industry has its own unique and quirky jargon. Auto insurance is no exception. But first, exactly what is car insurance? Car insurance is a contract between you and your insurance company. By applying for coverage, you’re agreeing to pay an auto insurance premium to the insurance company. In return, that company agrees to pay covered costs associated with an auto accident once the deductible has been met under the policy terms.

There are various ways to customize your policy by making coverage selections to cover a number of different types of accidents and related issues.

Here are some more important auto insurance definitions to know and information about how they can help protect you in the event of the unexpected.

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Actual cash value (ACV)

The value of a car considering the age, mileage, make, model, and overall condition of the vehicle.

Appraisal

An estimate of the value of a vehicle or property, or the extent of damage from an accident at the time of loss. Usually conducted by an impartial appraiser.

Bodily injury liability coverage

Pays damages for injury or death resulting from a covered accident for which you are at fault. May also provide you with funds for a legal defense. Learn more about liability coverage.

Carrier

The company providing insurance coverage.

Certificate of satisfaction

A form you sign when taking delivery of an insured car from the repair shop. It indicates your satisfaction with the repairs.

Claim

A request for payment under the terms of an insurance policy. Learn more about claims.

Declarations page

Deductible

The portion of a claim that you pay. A higher deductible amount will lower your insurance premiums but increase your costs if there’s an accident. Learn about Nationwide’s Vanishing Deductible.

Endorsement

A change to your policy by amending specific coverage. It can add coverage, modify it, reduce or even remove coverage or terms or provisions of the policy.

Exclusion

A provision in an insurance policy that excludes and/or limits certain coverages.

Expiration date

The date when your coverage ends. A new or renewal policy typically starts on this date.

Field adjuster

Financial responsibility law

Indemnification

Financial compensation for a loss with the intent to restore a person or entity to the financial position enjoyed before the loss.

Insurable interest

A right or relationship under the insurance contract that would cause an individual to suffer an economic loss as the result of damage to property or bodily injury.

Insurance ID card

A card issued by your insurance company with basic information about your policy.



FAQ – General Insurance Questions, texas auto liability insurance.

#Texas #auto #liability #insurance



FAQ – General Insurance Questions

Do I need vehicle insurance to drive a vehicle in Texas?

Yes. State law requires you set up financial responsibility for your vehicle before you drive on Texas roads. Back

What are the minimum limits for auto liability insurance for Texas?

Texas requires coverage of $30,000 for each insured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. Back

What happens if I don t have auto liability insurance and drive in Texas?

You may receive fines ranging from $350 to $1,000, your driver’s license could be suspended, and, in some cities in Texas, your vehicle may be towed. Back

I cannot afford insurance. What can I do?

The Texas Department of Insurance (TDI) has an auto insurance comparison tool to help you locate affordable insurance in your area. Please visit www.helpsinsure.com. Back

I am required to have an SR-22 to maintain my driver s license in Texas. Where do I purchase SR-22 coverage?

If you need help obtaining an SR-22, please visit www.helpinsure.com. Back

I have a self-insurance certificate issued by the Texas Department of Public Safety. Will my information be available in TexasSure?

Yes. The Texas Department of Public Safety (TXDPS) reports self-insurance certificates weekly to TexasSure. Back

Do I need to maintain auto insurance on a stored vehicle?

State law requires you to have an active auto insurance policy before operating a vehicle in Texas.

If the vehicle is not driven and you cancel your policy, you may be responsible for the cost of any damages that occur while the vehicle is stored. Back

My vehicle is broken and cannot be driven. Do I need to maintain auto insurance on the vehicle?

State law requires that you set up financial responsibility for your vehicle before you drive on Texas roads.

If the vehicle is not driven and you cancel your policy, you may be responsible for the cost of any damages that occur while the vehicle is stored. Back

Are auto policies that were purchased in another state reported to TexasSure?

No. Insurance companies only report policies sold in Texas. Back

I just moved to Texas, will my insurance company automatically report my policy to TexasSure?

Please notify your insurance company or agent of your recent move to Texas. If your company is licensed in Texas, they should begin reporting your policy to TexasSure during their weekly reports. Back

How do I find out if my insurance company is licensed in Texas?

I live part-time in Texas and part-time in another state. How can I make sure that my insurance policy is reported to TexasSure when I return to Texas?

Each time you return to Texas, please contact your insurance company or agent and notify them that you are now living in Texas. If your company is licensed in Texas, they should begin reporting your policy to TexasSure. Back

I travel between Mexico and Texas frequently. Do I need to purchase a Texas auto policy when I return to Texas?

Yes. Insurance companies in Mexico do not report to TexasSure and policies purchased in Mexico may not cover auto claims in Texas. Back



Liability Insurance Coverage for Your Car Insurance Policy, automobile liability insurance.

#Automobile #liability #insurance



Liability Insurance

Summary: Liability Car Insurance

Liability car insurance pays for accidents you cause and is typically required by state law. Find out what it covers and how much you’ll need on your policy.

Liability Car Insurance

When you cause an accident, you will be held accountable for injuries or property damage resulting from that accident.

Costs of injuries and property damage can be expensive. In fact, they can be so expensive that they are generally well out of the average person’s budget. If you are unable to pay, you risk losing your assets, such as your home, in lawsuits.

The best way to protect yourself from huge financial losses after an accident is by having liability insurance.

Types of Liability Coverage

Liability insurance is the most commonly required type of car insurance throughout the various states. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance is composed of the following coverage types:

  • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
  • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.

You can learn more about these coverage types by reading our Bodily Injury and Property Damage Coverage page.

Liability Coverage Limits

Each state that requires drivers to have liability insurance has its own set of minimum limits your car insurance policy must meet. The limit refers to the maximum amount your car insurance company will pay in a claim.

You may notice 2 numbers associated with bodily injury liability coverage:

  • The first number is the limit covered per person in an accident.
  • The second number is a total limit covered if 2 or more people are hurt in the accident.

See the example below to see how minimum limits are typically written out.

Example of Minimum Liability Insurance Limits

While minimums will vary amongst states, you’ll often see them listed as follows:

In many cases, you’ll see the minimum limits written as 15/25/10.

Does Liability Insurance Cover Personal Damages?

Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.

Your own injuries or property damage are not covered through liability insurance.

For information on how to protect yourself when you are hurt in an accident, visit our Medical Payments Coverage page.

To learn how you can get financial protection for damages to your car, visit our Comprehensive and Collision Coverage page.

Liability Insurance Costs

Different factors can go into determining the cost of liability insurance. When comparing car insurance quotes, keep in mind that the following may factor into your rates:

  • Your driving record.
  • The limits you choose for each coverage.
    • You may find that your state’s minimum limit requirements do not provide adequate financial protection.
    • Car insurance companies generally offer higher limits at an increased rate.
  • Your gender.
  • Your marital status.
  • Your credit score.
    • This is not applicable in all states, as some states make it illegal for insurance companies to use your credit score when determining premiums.

No-Fault Insurance and Liability Insurance

If you live in one of the handful of states that requires no-fault car insurance, or personal injury protection coverage, you may still be required to buy liability car insurance.

While your state is considered a “no-fault state, this does not mean that fault is taken completely out of the question after a car accident.

When you are found at-fault for an accident, the other person’s no-fault insurance will pay for his own bodily injury first. You can still be held responsible for injury-related costs the other driver’s no-fault insurance was unable to pay.

Your liability insurance will kick in at this point to help you cover these costs.

Umbrella Insurance

Umbrella insurance is a type of insurance that provides broad financial protection by working in conjunction with most types of liability insurance you have, including:

Umbrella insurance is applied AFTER your liability insurance limits have been used.

If you want further financial protection from injuries or damages you are found responsible for, it is a good idea to purchase this type of car insurance coverage.



Liability Car Insurance Coverage from Nationwide, liability insurance car.

#Liability #insurance #car



Liability car insurance coverage from Nationwide

In most U.S. states, auto liability insurance coverage is a legal requirement for driving a car. Yet the most basic policy may not provide the coverage you need if you’re in a serious accident. It pays to understand liability car insurance and adjust your policy to meet your needs and budget. Learn more about what liability insurance covers and get a liability insurance quote today.

What does liability insurance cover?

There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

About bodily injury liability coverage

Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

About property damage liability coverage

Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

Minimum and maximum limits on auto liability insurance

A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

Liability car insurance alone does not cover your car

If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage and comprehensive car insurance coverage help pay for damage to your vehicle if coverage applies. You can also keep your rates low in the event of an accident with Accident Forgiveness.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.



Florida Bodily Injury Liability Insurance #bodily #injury #liability #florida


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Florida Bodily Injury Liability Insurance

Does Florida Require Bodily Injury Liability Insurance?

Unfortunately, Florida is a state that does not require bodily injury liability coverage in most instances. Bodily injury liability coverage is that coverage found on automobile insurance policies that will cover the at-fault vehicle’s owner or driver for damages caused to others as a result of a car accident. Many states outside of Florida require that its drivers carry bodily injury coverage. For example, every driver in New York must carry a minimum of $25,000 per injured person, up to $50,000 maximum per accident.

As a New Port Richey auto accident attorney with nearly 20 years experience, I can tell you that having bodily injury liability coverage is vitally important. If you or anyone using your car causes an auto accident that results in personal injuries to third persons, then without sufficient bodily injury liability coverage you could be personally liable for compensating the injured persons. Florida bodily injury liability coverage not only provides a source of revenue to cover damages caused by automobile negligence, it also requires the insurance company to pay for your legal defense if you are sued as a result of injuring others.

Equally important is the need to carry Florida uninsured motorist coverage. As I’ve told countless people whom have come to my New Port Richey office, “It is more important to have uninsured motorist coverage in Florida than most other states.” The reason for this advice is that persons injured in a New Port Richey, Florida accident may not be able to collect from the negligent party because, as stated above, liability coverage is not required. Florida uninsured motorist coverage will protect you and your loved ones if you are injured by the automobile negligence of a third person without the optional Florida bodily injury liability coverage.

The amount of bodily injury coverage you should carry depends on several things. While some might advise you that you should only carry higher limits of Florida bodily injury coverage if you have significant assets to protect, I must disagree with this logic. The amount of Florida bodily injury coverage you purchase is also tied to the issue of how much you want to protect your ability to collect through an uninsured motorist claim. In Florida, you cannot purchase greater uninsured motorist coverage than bodily injury liability coverage. Therefore, if you want to assure yourself that you will be able to potentially collect at least $100,000.00 from an uninsured or underinsured motorist, then you must purchase at least $100,000.00 in bodily injury liability coverage.

If you or a loved one have been injured in a New Port Richey, Florida auto accident, my law firm is in Downtown New Port Richey and I offer free consultations. My promise is this: Your consultation will be with me, and you will receive personal service. I am also available by phone, or to come to your location in New Port Richey and the entire Tampa Bay area.

About the Author

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in AmericaTM



Contractor Insurance – Insurance for Contractors – Contractor Weekly #proffesional #liability #insurance


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Contractor Insurance

Insurance for Contractors

The majority of limited company contractors will hold some form of indemnity or liability insurance. These will differ depending on the type of work you are doing and the specific client you are working for.

We have put the following FAQ guide together, which should be of assistance when considering which policies you should purchase.

Which policies should I consider?

The three most common insurances held by freelancers and contractors are Professional Indemnity Insurance, Public Liability and Employers Liability. Broadly speaking, these cover you against negligence in various circumstances.

You may also wish to consider policies such as Business Interruption, Jury Service Cover, Income Protection and Office Contents (if you have a business premises).

Is insurance required by law?

Generally the only insurance required by law is Employers Liability. However, there is a specific exclusion to this rule if you are the only director/employee of your company. If there is more than one worker in your business (i.e. if you employ your spouse), you will probably be legally required to carry Employers Liability insurance.

So why should I buy them?

There are a number of reasons and benefits to having business insurance in place:

  • The majority of recruitment agencies and end clients demand that you hold insurance as part of your contract.
  • Although the likelihood of claims will be undoubtedly slim, it is still a good idea to have insurance for peace of mind.
  • If you are operating outside IR35. purchasing insurance is a key indicator of being in business on your own account.

What level of cover do I need?

This will depend on your contract and nature of business. However, most contractors hold Professional Indemnity Insurance at £1m, Public Liability at £1m and Employers Liability at £10m. Your agency will generally stipulate the minimum levels required contractually.

How much does insurance cost?

The premiums for business insurance have reduced over the years with numerous insurers competing. Obviously the exact prices will depend on what you do, your turnover and the level of cover you select. However, if you are a fairly standard IT contractor with turnover of less than £150k you should be able to purchase all three key policies for less than £300 combined.

Many brokers and insurers accept monthly payments for these policies and it is classed as a business expense for tax purposes.

Where should I get them from?

A quick internet search will through up countless providers and it’s fairly easy to compare prices. Our friends at Qdos Contractor offer particularly competitive policies, with a package for IT contractors comprising of Professional Indemnity Insurance (£1m), Public Liability (£1m) and Employers Liability (£10m) all for under £236 per year. Simply visit the Contractor Insurance shop to purchase any of the products listed within this guide.

Related Posts



Compare Public Liability Insurance – MoneySuperMarket, business liability insurance cost.#Business #liability #insurance #cost


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Public Liability Insurance

Public liability insurance provides protection for small

businesses and the self-employed. Compare quotes

today from leading insurers and buy online in minutes

What is public liability insurance?

If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

What does public liability insurance cover?

For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

Read our public liability FAQs page for information on what’s not covered.

Business liability insurance cost

Business liability insurance cost

Do I need public liability insurance?

Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

Compare public liability insurance quotes from UK insurers such as:

Business liability insurance cost

Business Insurance Guides

What does public liability cover

Our guide to what public liability insurance covers

What is public liability insurance

Public liability insurance is one of the main types of business insurance

How much public liability cover do I need

How much public liability cover you need will depend on the work you do

Who needs public liability insurance

Finding the right cover for a self employed business

Business Insurance Options

Public liability FAQs

We ve answered some of your frequently asked questions

Public liability glossary

Commonly used terms acronyms explained

How much is public liability insurance

How much your public liability insurance costs

Business insurance

Get cheap business insurance quotes today

Professional indemnity insurance

Find the right professional indemnity cover

Business building insurance

Compare business building insurance cover

What do our customers think of us?

Customer satisfaction rating

**Based on 12196 reviews in the last 12 months – Read all reviews

Public liability insurance will not cover:

  • Accidents that happen to you.
  • Damage to your own property or accidents that affect your employees or their possessions.
  • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

What else do I need to know about public liability insurance?

First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

How can I compare public liability insurance deals?

As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

Do I need public liability insurance?

We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.



Offshore companies set up and financial services #limited #liability #company #financial #statements


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Offshore companies

Recent orders

Avia and Slogold Group S.A. (ASG) is company providing off-shore business consultancy and offshore services. From 2001 ASG is specializing in Offshore Companies registration, Off Shore Private Interest Foundation formation and Off-shore Trust set up. Incorporation of Off-shore Company either as Offshore LLC (Limited Liability Company) or IBC (International Business Company) is important tool of doing business on international level while Offshore Foundations and Off-shore Trusts are important vehicles for assets protection.

Hot

Special Offers

Beside Offshore Companies, ASG also specialize in formation of onshore companies, on-shore companies denote business structures in locations where the entities must pay tax. As such we can register on shore companies in most European jurisdictions like UK (UK LLP and UK Limited), Ireland (Irish Limited), Cyprus, Bulgaria, Malta, Latvia, Estonia etc. These Onshore entities must in contrast to offshore companies prepare and file accounts, like financial statements, assets etc.

ASG has good contacts and experience with banks in offshore and onshore jurisdictions and assist and introduce clients to offshore and onshore banks which we represent. ASG assists with bank accounts for day to day banking as well as saving account. For international businesses ASG help with solutions for accepting payments by credit and debit cards on web pages, called merchant accounts, which are required by offshore companies.

ASG also assist with complex offshore entities like offshore bank licenses, gambling licenses, captive insurance and reinsurance companies and offshore mutual funds. ASG can help also with economic second passport programs and residency permits for tax purposes.

Do you need help?

© 2001 – 2017 Avia and Slogold Group S.A. All rights reserved. The information included in this site is for information purposes only and must not be taken as legal, accounting or other professional advice. Any one seeking to establish any offshore legal entity or bank account should first seek professional legal, accounting or other professional advice.



Trucking Insurance, Commercial Truck Insurance Carolina #trucking #insurance, #truck #insurance #coverage, #owner-operator #insurance, #insurance #for #truckers, #insurance #for #truck #drivers, #commercial #truck #insurance, #big #rig, #big #rig #insurance, #semi #truck #insurance, #commercial #general #liability #insurance


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Truck Liability Primary Liability Insurance coverage protects the Trucking Company from damage or injuries to other parties as a result of a truck accident. Truck Liability Insurance coverage is designed to protect the public and in order to be compliant with State and The Federal Motor Carrier Safety Administration, proof of this coverage in forms of State and Federal Filings are required.

Workers Comp Bye Insurance provides Workers compensation insurance to protect your business’ most valuable asset – your employees. Bye Insurance is committed to workplace safety and protecting businesses from the financial consequences of workplace injuries.

Physical Damage and Trailer Interchange Trucking Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

Cargo Insurance Truckers are in the business of hauling other business’ goods from one place to another for a fee. Motor Truck Cargo insurance is needed to protect the carrier in case of damaged freight. Motor Truck Cargo insurance coverage limits can range from $25,000 to $500,000 depending on what is being hauled.

Trucking Insurance

Thank you for choosing Bye Insurance. We offer a wide variety of Trucking Insurance Services in North South Carolina, Virginia, Georgia, and Tennessee. We also provide Commercial truck insurance. Property Insurance, General Liability Insurance and Workers’ Compensation insurance. We are more than just a team of agents; we are counselors and advisers who represent only the most highly rated insurance companies and work with you to formulate customized commercial trucking insurance services and solutions. With all the options out there it’s difficult to make an informed decision on the trucking insurance that’s right for you. If you have trucking insurance questions we have answers.

Other truck insurance services we offer are:

Call the trucking insurance experts today at Bye Insurance



Cheap Liability Car Insurance Quotes – Titan Insurance #auto #liability #insurance, #auto #liability #insurance #coverage, #liability #insurance #quotes, #affordable #liability #insurance


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1-800-TITAN-UP (1-800-848-2687)

Liability Car Insurance

No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

What is liability insurance?

Liability insurance is usually comprised of 3 basic components:

  1. Bodily injury per person
  2. Bodily injury per accident
  3. Property damage

Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Liability insurance quotes

Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.



Minimum car insurance requirements #liability #insurance, #minimum #car #insurance #requirements


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Minimum car insurance requirements

Most states require you have car insurance and have laws that outline the minimum level of coverage you must buy.

The minimum limits your state requires, however, may not necessarily be adequate. A car accident can cost far more than the limits mandated by most states. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).

How to read auto insurance liability limits

  1. First number: Bodily injury liability maximum for one person injured in an accident.
  2. Second number: Bodily injury liability maximum for all injuries in one accident.
  3. Third number: Property damage liability maximum for one accident.

For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident (written as 25/50/10). Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist bodily injury coverage (UM).

UM, what?

Here’s your guide to the car insurance acronyms in the chart below.

  • UM = Uninsured motorist coverage.
  • UIM = Underinsured motorist coverage.
  • UM BI: Uninsured motorist bodily injury coverage.
  • UMPD: Uninsured motorist property damage coverage.
  • PIP: Personal injury protection.
  • PPI: Property protection insurance (Michigan).
  • BI liability: Bodily injury liability.

Car insurance requirements by state

* New Hampshire doesn’t require car insurance, but you must be able to show proof of financial responsibility if you’re in an accident.

Uninsured and underinsured motorist coverage

A total of 21 states, plus the District of Columbia, require either uninsured motorist (UM) bodily injury coverage by itself or both UM coverage and underinsured motorist bodily injury (UIM) coverage.

Uninsured motorist bodily injury covers medical expenses if you or your passengers are injured by an uninsured driver. Underinsured motorist is triggered when the at-fault party is insured but his insurance limits are too low to pay all of your medical bills.

Uninsured motorist property damage (UMPD) covers damage your car received from an accident with an at-fault uninsured driver. UMPD is required in only eight states.

What is no-fault car insurance?

If your state has a “no-fault” auto insurance law, your auto insurance policy must pay medical bills for you and your passengers regardless of who caused the accident.

Your no-fault coverage — which is your personal injury protection (PIP) — may come with a copayment and/or deductible. No-fault coverage applies only to bodily injury claims. If you also have car damage, you would make a claim for the damage against the at-fault party s property damage liability coverage.

No-fault laws are intended to keep insurance fraud down.

Deciphering auto insurance liability across state lines

If you hold the minimum automobile insurance required in your state and are involved in an accident in another state that requires higher minimum coverages or other coverage (such as personal injury protection), typically your policy will automatically increase to meet that state’s minimum coverage requirements.

For example, if you’re a Connecticut driver (where minimum liability coverage is $20,000 of bodily injury protection per person, $40,000 of bodily injury protection per accident and $10,000 of property damage per accident, referred to as 20/40/10) and are involved in an accident in New York (which requires 25/50/10 of liability coverage), your auto insurance will automatically extend to meet New York’s requirements. This boost can be helpful, especially when you cause a large amount of property damage.

Some states restrict the ability of their citizens to sue one another for pain and suffering after a car accident. Puerto Rico (a U.S. territory) and 12 states have “no-fault” laws:

These laws mean that your car insurance must pay for bodily injury damages no matter who’s at fault in an accident. However, these same states allow their citizens to litigate against folks from other states after a car accident.

For example, you are limited in your ability to sue for damages if you live in Pennsylvania. When buying your auto coverage you have two choices of liability: “full tort” or “limited tort.” If you choose “limited tort,” you will pay less in premiums but you won’t be able to sue another Pennsylvanian for pain and suffering unless you’re seriously injured and your medical bills exceed a specified minimum amount. What constitutes a serious injury is outlined in your car insurance policy. If you choose full tort, your premiums will be more but you will be able to sue no matter the amount of your damages.

Throw out the rulebook if someone from another state crashes into you. Even if you have Pennsylvania “limited tort,” you’ll be able seek compensation for pain and suffering in the court system if someone from outside Pennsylvania crashes into you.

Visit Insure.com’s annual ranking of the best car insurance companies to shop for the best pricing on your required insurance coverage.

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General Liability Insurance, General Liability Coverage for Nonprofit, general liability insurance for nonprofits.#General #liability #insurance #for #nonprofits


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General Liability Coverage

Commercial General Liability coverage for nonprofits provide protection for alleged negligent acts which result in Bodily Injury, Property Damage, Personal Injury and Advertising Injury

These injuries might include a child who is injured while playing at school, a senior citizen who becomes ill from eating food at a senior meal site, or a program participant who slips on a wet floor and breaks a bone. Coverage for Special Events and Fund-raisers should be part of the policy as well.

Improper Sexual Conduct can be covered to defend against allegations of sexual abuse and molestation. The policy can include client v. client coverage. Any organization that provides services to youth, developmentally disabled of any age, or senior citizens should consider this type of coverage.

An important benefit of the Commercial General Liability policy is that it typically provides unlimited legal defense for covered lawsuits.

The policy excludes such things as lawsuits brought against board members for bad management decisions, lawsuits alleging unfair employment practices or actions of an unprofessional nature such as sexual harassment.

Who’s Covered

The Named Insured and any Wholly Owned or Financially Controlled Subsidiaries listed on the policy are the primary recipients of coverage. Employees and volunteers while performing work for your organization are also included as insureds. Other Stakeholders such as Landlords, Mortgagees, Lessors of Equipment and Government Funding Sources can be included as Additional Insureds.

Your organization, depending on your mission, may want to add the following provisions to your Commercial General Liability policy.

Lamb Financial Group will work with your Human Service Organization to arrange the most comprehensive and appropriate coverage at the best price.

Value to the Client

No organization can operate with the uncertainty caused by risk from lawsuits. Commercial General Liability Insurance transfers that risk from the organization to an insurer providing peace of mind. Lenders and other Funding Sources will demand proof there is insurance by the organization before loans, grants or other funds are pledged.



Certification Courses for Finance #cornerstone #professional #liability #consultants


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About IMCA

Investment Management Consultants Association ® was established in 1985 to deliver premier investment consulting and wealth management credentials and world-class educational offerings through membership, conferences, research, and publications. IMCA sets the global standards and practices for the investment management consulting profession and provides investment consultants and wealth managers with the credentials and tools required to best serve their clients anywhere in the world.

IMCA is proud to serve more than 11,000 members and certificants in 37 countries worldwide, including 7,403 CIMA certificants and 1,184 CPWA professionals, as of November 30, 2016. Each member must subscribe to and each designee must adhere to IMCA’s Code of Professional Responsibility. In addition, IMCA’s Standards of Practice and Performance Reporting Standards provide practical guidance to investment management consultants in the course of conducting their practices and providing services to clients.

Credentials
Certified Investment Management Analyst®
The cornerstone of IMCA is the Certified Investment Management Analyst ® certification. The CIMA ® certification reflects experience, education, examination, and ethical standards. Those who have earned the CIMA certification have at least three years of experience in financial services, have passed an extensive background check, have completed a demanding two-step, graduate-level program of study, and have passed a comprehensive examination.

Certified Private Wealth Advisor ®
IMCA’s Certified Private Wealth Advisor ® (CPWA ® ) certification was launched in 2007 and facilitates an advanced expertise in the life cycle of wealth: accumulation, preservation and protection, and distribution. Those who earn this designation learn to identify and analyze challenges facing high-net-worth clients and how to develop specific strategies to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.

IMCA’s certifications are offered in conjunction with three of the top business schools in the United States, as well as one leading business school in Australia: The University of Chicago Booth School of Business; The Wharton School, University of Pennsylvania; the Yale School of Management; and Investment Management Research Centre of University of Technology Sydney. Click here to learn more about these Registered Education Providers.

Advanced Education
To further distinguish its members, IMCA is dedicated to the advanced education of investment and wealth management professionals. IMCA conferences hosted more than 4,000 attendees in 2013. The IMCA Annual Conference offers headline general sessions and leading-edge workshops covering topics such as practice management, technology, international investments, and wealth management. The 2013 specialty conference calendar delivers four in-depth events with agendas focused on relevant topics like advanced wealth management, alternative investments, and investment theory. In addition to its Annual Conference and four specialty conferences, IMCA hosted six Best of IMCA seminars in 2013.

In addition to onsite offerings, IMCA provides interactive audio broadcasts that concentrate on current industry hot topics. IMCA also offers an entry-level certificate program, Essentials of Investment Consulting. The association’s publications include Investments Wealth Monitor. a bi-monthly educational magazine featuring professional contributors addressing everyday issues; the Journal of Investment Consulting. which delves into the research and theory of investments; and IMCA Research Quarterly. which provides proprietary, in-depth research for IMCA members, by IMCA members.

Governance Structure
A thirteen-member board of directors, including four officers, governs IMCA. The past chair serves one additional term of office, and the executive director serves on the board ex-officio. Volunteer committees, such as certification, conferences, membership, and wealth management, provide input to the board and assist in directing the activities of the association.

For the advanced investment and wealth management professional, IMCA is an ethical and trustworthy conduit to cutting-edge investment strategies that maximize wealth potential.

Impartiality Statement
IMCA and its management are committed to ensuring that its certification and other activities are undertaken impartially, objectively, and fairly. To this end, IMCA’s policies, procedures, and actions are applied evenly to all persons. IMCA also manages conflicts of interest, and ensures that its activities and decisions are not adversely influenced by irrelevant factors. IMCA further is committed to ensuring that its certification activities are independent of its other activities, and that its decisions at all phases of certification are made without bias or prejudice and based entirely upon the criteria for certification.



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Have you thought about taking out motorhome | campervan hire excess insurance?

Insure the excess on your motorhome hire with a daily insurance policy

The excess liability motorhome insurance if bought directly from a motorhome hire company is often very expensive. This is ideal for renting a motorhome for a holiday abroad or in the UK.

When you rent a motorhome / campervan are you aware that the Excess can cost more than the vehicle? Motorhome hire excess insurance is a great way to save money and have peace of mind when you rent a motorhome / campervan.

Do you know that it could cost you a lot of money for any damage to your motorhome rental vehicle? EVEN IF IT’S NOT YOUR FAULT!

For a low daily premium a motorhome hire excess insurance company can provide excess insurance protecting the customer against excess charges whenever he / she rents a motorhome.

When you rent a motorhome, you will find that your motorhome rental agreement normally includes cover for Collision Damage Waiver – CDW (damage to the rental vehicle) and Theft. There is almost always an excess on the Collision Damage Waiver and Theft.

You are however still liable for the Excess on CDW and Theft.

When a motorhome / camper van is damaged or stolen, the driver is asked to pay the first portion of the repair or replacement costs. This is known as the Excess.

Motorhome hire excess insurance policies can be purchased by people resident anywhere in the world (however you should check with individual insurance providers for their terms and condition s)

Click on a logo below for more information from providers below advertising motorhome hire excess insurance on this site

Excess is also known as, non-waiver, the deductible or super CDW . Excess is a voluntary insurance and is sold by car rental companies at the counter when the customer collects the car (or when the booking is made). It is usually charged on a Daily basis and applies to Car hire . Van hireand Motorhome hire

The customer has the right to accept or decline the car rental company’s Excess. If they do decline, they will be responsible for the excess charges if they have any damage to the vehicle. In some cases the car hire company will not let the hirer take delivery of the car unless they take out the excess.

The cost of the Excess will vary according to:

  • The rental company
  • Size of the rental vehicle
  • The country in which the car is picked-up

You can take out a daily policy, annual policy, a family policy and customers up to the age of 84 can be covered.

When you buy your car hire insurance from a specialist you will save �’s – �’s – $’s compared to the cost of buying the cover when you pick up your motorhome or book the motorhome hire from a mototorhome rental company.

Remove your motorhome hire excess now

Motor home excess Insurance Providers below

Questor insurance services Car Hire Excess – Motorhome – Minibus Hire Excess – Car club Van Hire Excess Insurance

They also offer

Car hire excess insurance

Van hire excess insurance

Minibus hire excess insurance

Car Club hire excess insurance

Motorcycle hire excess insurance

Please note that none of the insurance companies currently advertising on this site appear to offer motorcycle hire excess insurance either in the UK or overseas. If you are looking for Motorcyle or Scooter insurance find out more Here

If you are in the Self Drive Motorhome Hire business and are looking for insurance for your hire vehicle fleet – find out more about INSURE CARHIRE .co.uk HERE – Also Van Hire and Car Hire

Looking for Motorhome / Campervan/ Caravan insurance for your own personal vehicle?

Click on the logo below

Tips for motorhome users

Know the height of your vehicle. There low bridges, car park entrances that a 4X4 would fit under, but the extra height on the motorhome means these ar no go areas.You will find yourself looking for large open carparks that will allow you to enter and exit easily.

Secure all your belongings in the vehicle. You don’t want some of your belongings joining you at the front of the vehicle whilst you are speeding along the motorway.

Don’t take too much with you. The more you carry in the way of food, drink and belongings (including large containers of dog food if you are taking your dog) the heavier the fuel consumption of the vehicle.

Do not to belt along -50/65 mph (80/105 km/h) appears to be both economic on the fuel and easier for emergency braking (remember there is 3.0/3.5 tonnes to stop!).

Keep the external dimensions of your vehicle to hand (such as behind the sun visor). Remember the extra length of the vehicle when turning.

One advantage of driving a motorhome is that you have very good visibility over most other traffic.

Reversing – Many motoromes have a camera to assist reversing, some drivers find that even with a camera to assist it is still tricky but the more you do it the more experienced you should become.

If you go and put your bike/s in a cover on the back of the motorhome, you might find that view from the camera is blocked.

Wedges – when you park on a slope, make sure that wedges are put behind the vehicle’s rear wheels. If there are none provided, use some brick or large stones.

If you have any tips, please contact us with them Here

Apollo Motorhome Holidays has joined forces with Hertz – February 2011

Questor for motorhome hire insurance – February 2011

Camper Van Hire Camper Van Hire Classics – September 2010

insurance4carrental.com website is marketing motorhome excess insurance – July 10

Media / Press Releases HERE

Motorhome hire excess insurance policies can be purchased by people resident anywhere in the world?

So if you live in the UK, Ireland, France, Germany, USA, South Africa, Cyprus,Sweden, The Netherlands, Spain, Japan, New Zealand or Canada and other countries, you should be able to buy car hire insurance from one the insurance companies advertising on this site.

You should of course check with individual insurance providers for their terms and conditions. Find out more Here

jml Group Blogspot sites – read our blogs and add your comments to:

Guides on driving abroadClick on an area below



How do personal property and liability insurance work? #liability #car #insurance #coverage


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How do personal property and liability insurance work?

You can take every precaution to protect your property using alarms, locks, etc. but some losses are simply unavoidable. Fires and natural disasters strike without warning, and even the best locks and alarms won’t always protect you from a professional thief. There are also situations in which you may be personally liable to another person for injury caused by you or your property.

The three most common types of insurance used to protect against personal property and liability risks are homeowner’s or renter’s insurance, automobile insurance, and personal umbrella insurance.

Homeowner’s insurance will cover most types of damage to your home and most types of personal property (excluding cars), as well as liabilities for occurrences such as someone tripping on your steps and incurring medical bills. Numerous exclusions apply; damage due to flooding, for example, typically must be covered by a separate policy, and high-value items such as jewelry and paintings will require an appraisal and a “rider” (an addendum to the policy). Homeowner’s insurance is required if you have a mortgage. Renter’s insurance will similarly cover your personal property and liabilities.

Even if you think your personal property is not worth insuring, liability insurance is an important and often overlooked type of coverage. When it comes to homes it is up to the homeowner to decide whether he wants to risk losing everything he owns in order to pay someone else’s medical bills, or if he would prefer to invest in personal liability insurance. Don’t forget to look at the policy limits before deciding on a liability insurance plan: if your liability exceeds the policy limit, you will be on the hook for the shortfall. Umbrella insurance provides extra liability coverage and can be purchased for homeowner’s, auto, and business policies, etc.

In fact, liability insurance is so importantwhen it comes to automobilesthat every car is required to be covered by some amount of liability insurance due to the high risk of vehicles causing harm to others. However, it’s up to you whether you want to pay extra premiums for “collision” insurance. which covers repairs for damage you cause to your own car in a collision, or whether you want to risk paying any necessary repair or replacement costs out of your pocket. As to injury you may cause to yourself in a collision, state laws require even the cheapest automobile liability policies to provide some coverage, but not nearly enough to pay the medical bills for catastrophic injury.

Before buying property insurance, make sure you read and understand your policy. Make sure you are aware of the following at a minimum:

  • What items are covered and for how much?
  • What items are excluded from coverage?
  • What causes of harm are covered or excluded?
  • What are the policy limits?


Short Term Insurance South Africa #short #term #insurance, #south #africa, #insurance #brokers, #cape #town, #risk #management, #insurance #solutions, #property #insurance, #liability #insurance, #business #insurance, #theft #insurance, #motor #insurance, #corporate #insurance, #insurance #policies, #insurance #market, #insurance #premiums, #insurance #claims, #financial #service #providers


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Short Term Insurance South Africa

Chadwicks Risk Insurance Brokers (Pty) Ltd in Cape Town are independent South African short term insurance intermediaries who specialise in risk treatment and insurance solutions. We guide our clients in analysing their risk exposures, highlighting both the insured and uninsured risks. The result? Clients purchase insurance with total peace of mind, which in turn enables them to concentrate on what they do best – their business.

Mission Statement

Chadwicks aim to position themselves, in the minds of South African business, as a professional short term broker of exceptional quality. To be achieved through sustained operational excellence, underpinned by expert risk analysis, top class personalised service, motivated staff, solid insurer partnerships and an ongoing quest to master insurance processes.

Short Term Insurance Available

The short term Insurance Risk Management Division of Chadwicks specialises in all insurable financial losses, particularly:

Access to the whole South African Insurance Market

We have access to the entire South African short term insurance market, including Lloyds. With the full insurance market available to you, Chadwicks Risk Insurance Brokers place insurance policies designed specifically for you with insurers who understand the risks associated with your business. This ultimately leads to optimum insurance premiums and, even more importantly, no unpleasant surprises at claim stage.

Long-term Insurance Partnerships

At Chadwicks Risk Insurance, we strive to build long-term client partnerships based on professionalism and integrity. We believe that a successful insurance transaction is underpinned by excellent personal client relationships and, in the final analysis, is about the prompt and fair settlement of insurance claims.

Contact Us for Quality Insurance

Please take a moment to view the Chadwicks Risk Insurance Brokers’ website for short term insurance in South Africa. We hope to have the opportunity of presenting our full array of products and services to you (should you not already be a Chadwicks client).



Dog Bites Accounted For More Than One-Third Of All Homeowners Liability Pay Outs Last Year As Cost Per Claim Soars #liability #insurance #cost


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Dog Bites Accounted For More Than One-Third Of All Homeowners Liability Pay Outs Last Year As Cost Per Claim Soars

NEW YORK, May 14, 2015 — Dog bites (and other dog-related injuries) accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2014, costing in excess of $530 million, according to the Insurance Information Institute (I.I.I.) and State Farm ®, the largest writer of homeowners insurance in the United States.

An analysis of homeowners insurance data by the I.I.I. found that while the number of dog bite claims nationwide decreased 4.7 percent in 2014, the average cost per claim for the year was up 15 percent. The average cost paid out for dog bite claims nationwide was $32,072 in 2014, compared with $27,862 in 2013.

“The average cost per claim nationally has risen more than 67 percent from 2003 to 2014, due to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which are still on the upswing,” said Loretta Worters. vice president with the I.I.I.

The study noted that California continued to have the largest number of claims in the U.S. at 1,867. Ohio had the second highest number of claims at 1,009. While New York had only the third highest number of claims at 965, it registered the highest average cost per claim in the country: a startling $56,628. The trend in higher costs per claim is attributable not simply to dog bites but also to dogs knocking down children, cyclists, the elderly, etc. all of which can result in fractures and other blunt force trauma injuries that impact the potential severity of the losses.

ESTIMATED NUMBER AND COST OF DOG BITE CLAIMS (AND OTHER DOG-RELATED INJURIES), 2003-2014

Be a Responsible Dog Owner

Even normally docile dogs may bite when they are frightened or when defending their puppies, owners or food. However, the best way to protect yourself is to prevent your dog from biting anyone in the first place. The most dangerous dogs are those that fall victim to human shortcomings such as poor training, irresponsible ownership and breeding practices that foster viciousness.

“All dogs have the potential to bite, but for most, biting is a last resort,” said Victoria Stilwell. star of Animal Planet’s hit TV series It’s Me or the Dog . “If time is taken to raise, teach and socialize a dog correctly, the likelihood of a bite incident occurring is extremely low,” explained Stilwell, a passionate advocate for positive reinforcement training methods. “Confident dogs have less need to use aggressive behavior.”

National Dog Bite Prevention Week ® (May 17-23, 2015), is an annual event designed to provide consumers with information on how to be responsible pet owners while increasing awareness of a serious public health issue.

Taking the following steps can reduce the chances of your dog biting someone:

  • Consult with a professional (e.g. veterinarian, animal behaviorist or responsible breeder) to learn about suitable breeds of dogs for your household and neighborhood.
  • Spend time with a dog before buying or adopting it. Use caution when bringing a dog into a home with an infant or toddler. A dog with a history of aggression is inappropriate in a household with children.
  • Be sensitive to cues that a child is fearful of or apprehensive about a dog and, if so, delay acquiring a dog. Never leave infants or young children alone with any dog.
  • Socialize your dog so it knows how to act with other animals and people.
  • Discourage children from disturbing a dog that is eating or sleeping.
  • Be cautious when exposing your dog to new situations in which you are unsure of its response.
  • Never approach a strange dog and always avoid eye contact with a dog that appears threatening.
  • Immediately seek professional advice from veterinarians, animal behaviorists or responsible breeders if your dog develops aggressive or undesirable behaviors.

The following organizations are committed to educating Americans about dog bite prevention:

THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.

Insurance Information Institute, 110 William Street, New York, NY 10038; (212) 346-5500; www.iii.org



Car, Auto & Property Insurance in Japan #insurance, #insured, #insuring, #insurer, #car, #auto, #automobile, #driving, #driver, #vehicle, #japan, #japanese, #overseas, #property, #damage, #theft, #protection, #liability, #accident, #bodily, #injury, #coverage, #cali, #voluntary, #mandatory, #relo, #ace #


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Understand why it is highly recommended to have two insurances to drive in Japan.
We arrange Compulsory and Voluntary insurance for your car.

Automobile Liability Security Law of Japan requires every registered car to carry Compulsory Automobile Liability Insurance (CALI).
This insurance only covers bodily injury liability and does not cover any damage to you or your car. The liability amount is limited to a maximum of 30,000,000 yen per person for death.
In general, automobile dealers arrange this insurance for their customers at the time of purchase and registration of a car.

Voluntary automobile insurance includes third party liability coverage and other coverage that CALI does not offer. This insurance is optional, however, virtually all drivers in Japan carry it because they fully understand the significance of it.
Major types of coverage by Voluntary Automobile Insurance:

  • �� Third party liability coverage (bodily injury liability and property damage liability)
  • �� Coverage for damage to the insured�fs own car
  • �� Protection against uninsured automobiles coverage
  • �� Self-incurred personal accident coverage

Insurance Inquiry Call Toll Free

09:00 to 17:00 except Saturdays, Sundays and Japanese national holidays



Professional Liability Insurance Policy from Nationwide #general #liability #insurance #policy, #commercial #liability #insurance #policy, #business #liability #insurance #policy, #general #liability #insurance #policies, #professional #business #liability #insurance


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Build a Safety Net With a Professional Liability Insurance Policy

A general liability insurance policy will only cover claims stemming from bodily injury, property damage, personal injury or an advertising injury. But what if a client sues for damages that result from you or your company’s negligence, misrepresentation, violations of good faith or error or failure to render an opinion or offer a service?

Professional liability insurance may be customized to meet your specific needs. For example, in a typical business day a pharmacist faces different risks than an architect might face. But both should have professional liability insurance – customized to their unique risks.

Professional liability insurance policies can cover judgments, attorney fees, court costs and settlements. Even if claims are found to be unwarranted, extended litigation can drain a company’s cash reserves or even cause bankruptcy.

Who needs a professional business liability insurance policy?

  • Veterinarians
  • Funeral directors
  • Church counselors

The basics

Professionals are expected to have a certain level of competence in their disciplines. It’s also expected that they will accurately perform their services, according to the common standards of conduct for their profession. If a professional makes a mistake on the job, they can be held responsible for any harm they cause to a person or business.

Professional liability insurance policies are generally issued on a claims-made basis, meaning that the coverage extends only to events that occurred during the period in which the coverage was active. It’s important to not let coverage lapse in order to ensure continuous protection against damaging events even if they occurred in the past.

Create a plan to avoid costly professional errors

If your profession makes you an expert in a certain area, like medicine, law or real estate, you could be exposed to one or more professional liability risks. No matter how careful you try to be, we’re all prone to make mistakes – in our personal lives and at work. Professional liability insurance might protect you against claims of negligence, malpractice or misrepresentation. Have a plan in place to reduce the possibility of making these mistakes on the job:

  • Keep detailed project and client files
  • Encourage honesty and openness from all of your employees
  • Agree on expectations with your customers before work begins
  • Make ethics a priority
  • Stay within your area of expertise

What type of professional business liability insurance should you buy?

Unfortunately there’s no “one size fits all” professional liability insurance policy and no standard wording. Policies must be carefully written to cover any risks and exposures particular to your type of business.

Some policies include defense expenses for fighting a lawsuit within the limits of liability while others might exclude any punitive damages awarded to the client. The wording of professional liability insurance policies varies from company to company, and each policy must be read carefully to make sure the coverage fits the exposure.

Premiums for professional liability insurance are based on a company’s revenues, type of professional service provided, number of employees providing the service and the company’s loss history.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

Liability Insurance – What’s Covered?

How to Get a Business Liability Quote

Avoid These Common Business Claims

Why Choose Nationwide for Liability Insurance?



Professional Liability Insurance for Mortgage Bankers and Mortgage Brokers – Fidelity Crime Bond Protection #underwriting, #agency, #underwriter, #professional #liability, #mortgage #bankers #bond, #mortgage #company #professional #liability, #insurance, #fidelity #bond, #mortgage #broker #insurance, #mcpl, #mbb, #fidelity #crime #bond #protection, #fidelity #crime #bond


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Professional Liability Insurance for Mortgage Bankers Mortgage Brokers

Stateside Underwriting Agency offers one of the most complete packages of specialty risk and investor required insurance for the mortgage industry. We offer Professional Liability, Fidelity/Crime Bond, Mortgage Impairment and Employment Practices Liability. Our program is tailored to the individual risk and offers limits up to $3,000,000 of in house authority and up to $60 million of limits have been placed when required for our larger clients.

Products

The Mortgage Company Professional Liability (MCPL) policy protects against possible losses from suits mainly in the area of loan origination. This can include the loan application process, loan processing, underwriting, closing, Secondary Market sales, servicing, and loan foreclosure. The Stateside Professional Liability Policy covers a firm s legal liability for wrongful acts made in providing professional services performed as a mortgage banker or mortgage broker. Read more

The Mortgage Bankers Bond (MBB) was developed for Mortgage Companies and provides Fidelity Crime Bond Protection. Employee dishonesty and Investor Required E O are the two key coverages required by most Investors , but the bond also includes forgery protection, transit loss protection and other coverages. Read more

Mortgage Banker and Mortgage Broker Insurance Discussion

  • This discussion provides an overview of the mortgage banking and mortgage brokering industry by highlighting the distinctions between mortgage holders errors and omissions, mortgage impairment, forced placed coverage, mortgage banker bond, mortgage banker E O, and custodial errors and omissions (custodial E O). View the full article

CLAIM DETERMINATION. Any claim is subject to the actual policy wording/endorsements and the coverage for a claim shall be determined using the policy wording.

SUA forms require the free Adobe Acrobat reader. Download it here .

Stateside Underwriting Agency, Inc.
A New Approach to Old Fashioned Service

CA Licensed Broker Richard Nowell (Lic. #0H18186)



Cheap Liability Car Insurance Quotes – Titan Insurance #trademe #cars


#online car insurance
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Liability Car Insurance

No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

What is liability insurance?

Liability insurance is usually comprised of 3 basic components:

    Bodily injury per person Bodily injury per accident Property damage

Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Liability insurance quotes

Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.



What Is the Average Cost of Renter – s Insurance? #average #liability #insurance #cost


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What Is the Average Cost of Renter s Insurance?

The place where a renter lives influences the renter’s insurance rates.

A renter s insurance policy repays the renter in the event of a loss. The insurance company calculates the risk of providing insurance to the renter and assesses a rate for the policy. Theft of property, loss resulting from a fire or damage to property can all be covered under a renter s insurance policy. A renter s insurance policy can cover an apartment, condo, rental house, co-op, dormitory and roommate situations. Liability coverage can also be provided through a renter s insurance policy.

Average Insurance Costs

Renter’s insurance rates also vary from state to state. Further, the cost of renter’s insurance depends on the insurance company selected. According to Independent Insurance Agents Brokers of America (IIAB), the average cost for renter’s insurance is about $12 per month for $30,000 worth of property coverage and $100,000 of liability coverage. Installing protective devices (i.e. smoke detectors, burglar alarms, fire extinguishers, fire detectors) in your home can lower a renter’s insurance premium as well.

Coverage Types

Renter’s insurance is generally less expensive than homeowner’s insurance because only the renter’s property is insured, not the structure itself. There are two types of coverage available under a renter’s insurance policy. Actual cash value pays the renter only what items are worth at the time of the damage or loss. Replacement value pays the renter the amount of money it takes to replace the items lost. Replacement cost coverage runs about 15 percent more than actual cash value.

Amount of Coverage

The cost of the renter’s insurance will rely heavily on the value of the insured items. A renter can choose to insure only certain items and leave others uninsured. Even if the renter has $45,000 worth of possessions, he does not have to use that value as the policy coverage amount. He may instead decide to insure them for only $20,000 or $30,000, which would hold down the cost of the policy.

Insurance Premiums

Renter’s insurance premiums are based on several factors such as the type of dwelling you live in, the type of coverage you select, the value of the items insured and the amount of the policy deductible. An insurance deductible is the part of the coverage that the insured is responsible for in the event of a loss. Deductibles can range from $500 to $2,000. Selecting a lower deductible raises the renter’s insurance premium. Similarly, a high deductible lowers the premium.

Liability

Many people mistakenly think that a landlord is responsible for restoring damaged possessions or property stolen from a rental. The landlord’s policy covers his building and liability for events that happen outside the rental dwelling(s). The tenant is totally responsible for everything that happens inside his rental home. This means that if someone is injured inside the rental or sues the renter, only the renter is liable.

About the Author

Trinise L. Castro has been writing on a variety of topics since 1995. Her work has appeared in Healthy Families Rappahannock Area, where her health-related articles are published, and online at Gadling.com where she is a published travel writer. An expert real-estate writer, she has also contributed to AchieveRealEstateSolutions.com and SFGate.com. Castro is also a spokeswoman and entrepreneur.

Photo Credits

  • apartment lease sign image by Aaron Kohr from Fotolia.com
  • Is Renters Insurance Worth the Cost?
  • How Do I Compare Renter’s Insurance?
  • What Is the Average Cost for Homeowners Insurance?
  • Is Homeowners Insurance Higher for Rental Properties?


New York Car Accident Attorney #car #accidents #new #york,truck #accidents,motorcycle #accidents,pedestrian #injuries,boating #accidents,premises #liability,product #liability,construction #accidents,prescription #drug #injuries,toxic #tort #cases,medical #malpractice


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NO FEES OR COSTS IF NO RECOVERY

Free Consultation – Home or Hospital Visits

New York Car Accident Attorney

Personal Injury Lawyer New York

Our New York Car Accident Attorneys have over 70 years of combined experience handling motor vehicle and pedestrian accidents. Most of the cases accepted by our auto accident attorneys involve injuries relating to car accidents and large truck collisions with automobiles which occur in New York City. We also represent clients involved in motorcycle, bus and pedestrian accidents. In addition, we accept a variety of premises liability cases, and very serious medical malpractice or product liability matters.

Most of our clients represented by our car accident attorneys are injured in auto accidents in New York City where we have offices and you can contact us. However, some of our clients are U.S. Citizens injured while traveling abroad or foreign citizens injured while visiting in the United States. Our law firm normally accepts motor vehicle accident cases where the potential client suffers a severe brain injury, broken bones, knees, wrists and elbows or back and herniated disk injuries. Also, auto, bus, motorcycle and pedestrian accident cases involving serious scarring or death are almost always accepted by our firm.

Our office is dedicated to providing personal service with the understanding that the client s best interest is the most important factor in representation. We will aggressively seek relief in your accident case. Attorney Michael Youngs has over 35 years experience handling car accident litigation in private practice and as an FBI Special Agent Attorney representing the government.

If you are injured in a car accident, suffer a serious fall or are injured in a motorcycle, bus, pedestrian, airplane, boat or truck accident we invite you to please call our office immediately for a free consultation. We will visit you or your relative in the hospital if necessary.

If injured in a motor vehicle accident it is important not speak to insurance representatives or sign any documentation without consulting our firm. If you have suffered an injury due to a serious fall where the property owner appears to have been negligent in some manner which caused the fall please call our office for a free consultation. Our attorneys have handled numerous car accidents and other personal injury cases over a period of 35 years and we will gladly demonstrate the results to you upon request.

Our pledge to each client is to represent you aggressively and zealously within the bounds of the law. Our firm goal is to give every case the personal attention that is needed. For that reason, we will not accept all auto accidents with injuries or other personal injury cases without discussing the matter extensively with a potential client following the accident resulting in injury.

Working With Experienced Attorneys

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New York Office:

590 Madison Avenue Suite 1800 New York, NY 10022

Colorado Office:

100 Fillmore Street 5th Floor Denver, Colorado 80206

Broward Pembroke Pines Office:

1806 N. Flamingo Road Suite 300 Pembroke Pines, FL 33028

Miami Aventura Office:

20801 Biscayne Blvd. Suite 403 Miami, FL 33180

Miami Doral Office:

8333 NW 53 St. Suite 450 Doral, FL33166

Broward Weston Office:

2200 N. Commerce Parkway Suite 200 Weston, FL 33326

Copyright © 2017, Law Offices of Youngs and Associates



Optional Liability Insurace – Budget Truck Rental #nada #car #value


#budget car insurance
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Budget Truck Protection Coverages

Peace of Mind on the Road!

Unlike car rental, any truck rental theft, physical damage, or any other financial responsibility is not covered by most personal, auto, home, credit card or AAA insurance. Before renting your truck, always ask your insurance provider to verify the type of coverage you have. Never assume you re protected.

Plans at a glance

Damage Waivers (PDW LDW)

Auto Tow Protection (ATP)

Roadside Assistance (RA)

Terms Conditions

A reservation only guarantees the rate once confirmed with a credit card deposit, and shows a customer’s preferences for a pick-up location, drop-off location, time of rental, date of rental and equipment type.

The pick-up location, drop-off location, time of rental and date of rental selected in a reservation is a preference only and, if a preference selected is not available, Budget Truck Rental (“BTR”) reserves the right to offer a customer alternatives.

All equipment selected in a reservation is subject to availability at time of pickup. If the equipment requested is not available, BTR reserves the right to substitute equipment at no additional charge to the customer.

Rates reserved online do not include applicable taxes, fees, surcharges, additional accessories, protection plans purchased at time of rental, the required refundable deposit, moving supplies or other applicable charges. Charges will be provided at time of pickup.

If a customer needs to cancel or modify a reservation in any way, he/she must contact BTR at least 48 hours before the pick-up date and time listed on the Thank You page and in the confirmation email. A customer must contact either the BTR pick-up location provided on the Thank You page and in the confirmation email or call 1-800-462-8343. Failure to notify BTR in this time frame may result in a $50 Cancellation Fee being charged to the customer’s credit/debit card. With a request to modify the pick-up location, drop-off location, time of rental, date of rental and/or type of equipment, the reservation rate may be subject to change.

A customer will be charged a $50 No Show Fee that fails to result in an open rental agreement within 24 hours after the proposed pick up time.

In the online reservation system, Budget provides one-way customers with ample time to complete their move safely. Trip duration estimates for one-way rentals are estimates only. Mileage and trip duration may vary from Budget estimates. Budget will allow customers to purchase additional days or miles by directly contacting the Budget Truck Rental pick up location shown on the Thank You page. During regular business hours and prior to pick up, a customer can add days at the rate of $70 per day and miles at the rate of $0.70 per mile. If a customer reserves additional days and/or miles at the time of pick up or after pick up, $85 per day will be charged for additional days and $0.85 per mile for additional miles. Additional days and miles paid in advance are non-refundable including those purchased but not used.

For local rentals, customers will be charged for the actual miles and days he/she uses the equipment.

Any online discount may not be combined with any other discounted rate, promotion or offer.

For one-way rentals, the average deposit amount is $150. For local rentals, average deposit amount is the greater of $150 or 1.5 times your total estimated rental charges, but may be higher in certain metropolitan areas.

If a customer chooses to pay for a rental with a credit card or debit card, the cardholder must be present with his/her credit/debit card at the time of rental.

At the time of rental, Budget will require two forms of current, valid identification from the individual signing the rental contract. Acceptable forms of identification include: a valid U.S. issued Driver’s License, State Issued Identification, Passport, Social Security Card, Vehicle Registrations, Phone Bill and/or Military ID, place of business photo ID, major credit card and paycheck or pay stub. Budget will also require a valid U.S. issued Driver’s License from all drivers of rental equipment.

All towing equipment is recommended based on the towing manufacturer’s guidelines and the specific vehicle information the customer provided. Different vehicles may require different towing equipment. Some vehicles may not be suitable for towing and should not be attempted if they exceed the towing manufacturer’s guidelines. Budget is not responsible or liable for damages incurred while towing equipment is in use, and does not guarantee or warrant that such equipment is fit for the particular use. Budget Truck will attached the towing equipment to the rental truck at the time of pick up, but cannot drive the tow vehicle onto the towing equipment. This will be the customer’s responsibility. Budget Truck will provide an instruction sheet explaining the proper way to drive a vehicle onto our towing equipment.

Local rentals returned late are subject to the following fees:

  • Local rentals, returned after the contracted return date, you will be subject to an additional day charge at 100% of the going daily rate, plus 100% of the daily rate for any additional protection products and accessories.


Cheap Liability Car Insurance Quotes – Titan Insurance #car #transport


#online car insurance
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Liability Car Insurance

No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

What is liability insurance?

Liability insurance is usually comprised of 3 basic components:

    Bodily injury per person Bodily injury per accident Property damage

Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Liability insurance quotes

Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.



Cheap Liability Car Insurance Coverage #black #book #car #values


#very cheap car insurance
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The Facts About Cheap Liability Auto Insurance

What you need to know about cheap liability auto insurance coverage

Auto liability insurance is considered the most basic auto coverage you can buy – and it’s required in most U.S. states to drive legally. Simply put, if you want to drive, you have to have it.

But before you shop for cheap liability car insurance, it pays to know what a policy does and doesn’t cover. The most basic policy may not provide the coverage you need if you’re in a serious accident. For a slightly higher price, you could avoid big expenses.

There are two basic parts of liability auto insurance you should understand: bodily injury coverage and property damage coverage. Here are some key facts on each—and other details you need to know.

Fact 1: You must have bodily injury coverage

Most states require you to have bodily injury coverage. Bodily injury insurance covers the costs if people are injured or killed in an accident that’s your fault. This pays for costs such as medical expenses, loss of income and, in some cases, legal fees if you are sued for injuring or killing someone. If the damages cost more than the limits of the coverage, you are responsible for paying the balance.

Fact 2: You must have property damage coverage

Most states require you to have property damage coverage. Property damage insurance helps pay for damages done to someone’s property as the result of an accident caused by you. It may help cover the expense of repairing or replacing a car, fence or property you damaged.

Fact 3: Limits are important

If you have only the state minimum required insurance and you’re deemed to be at fault in a costly accident, you may be stuck with part of a very big bill. Cheap liability auto insurance will have relatively low limits in terms of how much damage your policy will pay for. For example, if your limits are low and you hit an expensive sports car, you might have to pay the costs that exceed the amount your insurance company pays.

Fact 4: Liability requirements vary by state

While most states require you to purchase automobile liability insurance, the amount of coverage varies from state to state. Required state minimum limits are often very low and could put you in financial risk. If you have sizeable assets, you may want to consider personal umbrella insurance, which offers an extra layer of protection for a serious accident.

Fact 5: Higher levels give you more protection

While the cheapest, state-minimum liability auto insurance allows you to drive legally, it doesn’t mean you’re fully protected in the event of a serious accident. If you have very low limits, you could be responsible for paying the balance of damages. Those costs can run in the tens of thousands of dollars in a major accident. Be sure to consider other coverage options as well; collision and comprehensive car insurance coverage help pay for damage to your vehicle.

Fact 6: Nationwide can help with cheap liability car insurance

Nationwide offers many online resources to help you sort through the confusing aspects of cheap liability car insurance. These vehicle safety articles  or our insurance agents can answer any questions you may have.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.



Auto Liability Insurance #car #keys


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Auto Liability Insurance

Your Key To Safety.

Lock up your coverage

Why Do I Need Liability Insurance On My Car, Truck Or Motorcycle?

The New York State registered motor vehicle you drive on a public road or highway in New York State, or that you allow someone else to drive, must be covered by liability insurance. Vehicles registered outside New York State and operated within this state must conform with the New York State financial responsibility law. New York State law requires this liability insurance to protect you and other highway users who may be involved in an accident with you:

  • Unless your registered vehicle is a motorcycle, it has to be insured even when it is in storage or not being driven. If you have a motorcycle, its insurance coverage must be in effect whenever the vehicle is operated on a public road or highway.
  • Your vehicle’s insurance and registration must always be in exactly the same name and address. You should always carry the insurance ID card in your vehicle.
  • The insurance coverage must be obtained from a company licensed by the NYS Department of Financial Services. Out-of-state insurance is not acceptable.

When your vehicle becomes insured, your insurance company must file your coverage electronically with the Department of Motor Vehicles (DMV). Your company also will issue you an insurance identification card so you can register your vehicle at the DMV. However, your insurance ID card alone does not prove you have coverage. State law requires both paper proof and electronic filing of coverage. 

What Happens If My Vehicle Doesn’t Have Liability Coverage?

Your insurance company must notify the DMV electronically every time you obtain motor vehicle insurance liability coverage and whenever your coverage has ended. This also is true whether you have changed your insurance company or registered a replacement vehicle, or if your coverage has been reinstated. If your insurance company does not properly notify the DMV electronically, your vehicle registration will be suspended and your driver license could also become suspended.

How Would Driving Without Insurance Affect My Driver License?

Your driver license and vehicle registration will be revoked for at least one year if the DMV receives information that you were involved in a traffic crash while driving a motor vehicle not covered by liability insurance. Your license and registration will also be revoked for at least one year if someone else driving your uninsured vehicle is involved in a traffic crash and is convicted of operating without insurance.

The traffic court fine could be as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You will have to pay the DMV an additional civil penalty of $750 to get your license back after revocation.

How Do I Avoid A Problem?

Remember this simple rule: no insurance, no plates!

Make sure the DMV always has your current address for both your vehicle registration and your driver license. You must keep the liability coverage on your motor vehicle for as long as your vehicle is registered in New York State. Your liability coverage must be provided by a company licensed by the NYS Department of Financial Services. Out-of-state coverage is never acceptable on any vehicle registered in New York State. If your NYS insurance is going to end for any reason, turn in the license plates to DMV before your coverage ends. Be sure to obtain a receipt showing that you turned them in. If your insurance is ending, you must turn in your plates even if your car or truck will be parked off the public road or put into storage.

If you DO NOT have valid liability insurance coverage for your vehicle, you MUST IMMEDIATELY turn in your registration and license plates at a DMV office or mail them to:

Department of Motor Vehicles

2799 Route 112

Medford, NY 11763

NOTE: Motorcycle plates DO NOT have to be surrendered to DMV when liability insurance lapses. However, it is illegal to operate a motorcycle when it does not have proper liability insurance.

What If I Get A Letter From The DMV That States My Insurance Has Lapsed?

Read the letter carefully, and answer it quickly! The DMV letter means an insurance company has notified the DMV that your insurance coverage has ended, and that no other company has notified the DMV about new coverage. Read the insert that came with the letter and follow its instructions carefully. If there is a problem, do not assume your insurance company will take care of it. If you actually do have insurance, respond as the letter instructs, then contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically.

What If I Get A Letter From The DMV That States My Insurance Company Didn’t Verify My Coverage?

This means your insurance company did not file your coverage with the DMV electronically. Contact your company or agent and ask them to file a notice of coverage. If the DMV does not receive proper notification electronically from the insurance company, your registration and license will be suspended.

What If My Insurance Coverage Has Not Lapsed?

If you receive a cancellation notice from your insurance company and you do not believe your coverage has really ended or been cancelled, contact your insurance agent or company immediately.

  • Do not use the vehicle if coverage has ended, even if you think it ended because of a mistake.
  • If your liability coverage is going to end and you are not going to immediately replace it with other coverage, turn in your license plates to the DMV before coverage ends. If you do not, your vehicle registration and driver license will be suspended.
  • Do not keep the plates while you work out a problem with the insurance company. Turn the plates in to the DMV! You can get your registration back and new plates when the problem is corrected. If your insurance coverage becomes reinstated or if you obtain coverage from a different company, be sure the new company notifies DMV electronically.

Why Did I Get A Suspension For Invalid Proof Of Insurance?

If this happens, your insurance company reported that the proof of insurance you gave to the DMV was not valid and you do not have liability coverage with them. If you do have coverage with that company, contact your insurance company and ask them to file a notice of coverage with the DMV electronically. The company must file notice electronically – paper proof or e-mail messages are NOT acceptable. Your proof of insurance cannot be filed electronically by your insurance agent or broker; it can be filed electronically only by your insurance company.

If your vehicle is now insured with a different company, provide your new insurance ID card to the DMV and ask your new company to file your coverage with the DMV electronically.

What If I Don’t Follow These Steps?

Do not drive any vehicle that is not insured. You could be arrested or ticketed, and your vehicle impounded, by a law enforcement officer. If you do not follow these steps, your vehicle registration will be suspended. You must turn in your vehicle’s license plates to the DMV. The registration suspension will last for the same number of days that your vehicle was without liability coverage and the plates had not been turned in.

If the registration suspension period becomes more than 90 days, your driver license will also be suspended. The license suspension will be in effect until it is reinstated after the end of the registration suspension. To reinstate your driver license, you must pay the DMV a $25 license suspension termination fee. For a suspension that has an effective date on or after July 6, 2009, the termination fee is $50.

How Can I Avoid Suspension of My Registration?

If your insurance coverage lapse is 90 days or less, you may have the choice to pay a civil penalty instead of turning in your license plates to the DMV.  This civil penalty options is not available if your insurance lapse was for more than 90 days or if you have used the civil penalty option for a registration suspension within the previous 36 months.



Auto Liability Insurance #online #auto #parts


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#

Auto Liability Insurance

Your Key To Safety.

Lock up your coverage

Why Do I Need Liability Insurance On My Car, Truck Or Motorcycle?

The New York State registered motor vehicle you drive on a public road or highway in New York State, or that you allow someone else to drive, must be covered by liability insurance. Vehicles registered outside New York State and operated within this state must conform with the New York State financial responsibility law. New York State law requires this liability insurance to protect you and other highway users who may be involved in an accident with you:

  • Unless your registered vehicle is a motorcycle, it has to be insured even when it is in storage or not being driven. If you have a motorcycle, its insurance coverage must be in effect whenever the vehicle is operated on a public road or highway.
  • Your vehicle’s insurance and registration must always be in exactly the same name and address. You should always carry the insurance ID card in your vehicle.
  • The insurance coverage must be obtained from a company licensed by the NYS Department of Financial Services. Out-of-state insurance is not acceptable.

When your vehicle becomes insured, your insurance company must file your coverage electronically with the Department of Motor Vehicles (DMV). Your company also will issue you an insurance identification card so you can register your vehicle at the DMV. However, your insurance ID card alone does not prove you have coverage. State law requires both paper proof and electronic filing of coverage. 

What Happens If My Vehicle Doesn’t Have Liability Coverage?

Your insurance company must notify the DMV electronically every time you obtain motor vehicle insurance liability coverage and whenever your coverage has ended. This also is true whether you have changed your insurance company or registered a replacement vehicle, or if your coverage has been reinstated. If your insurance company does not properly notify the DMV electronically, your vehicle registration will be suspended and your driver license could also become suspended.

How Would Driving Without Insurance Affect My Driver License?

Your driver license and vehicle registration will be revoked for at least one year if the DMV receives information that you were involved in a traffic crash while driving a motor vehicle not covered by liability insurance. Your license and registration will also be revoked for at least one year if someone else driving your uninsured vehicle is involved in a traffic crash and is convicted of operating without insurance.

The traffic court fine could be as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You will have to pay the DMV an additional civil penalty of $750 to get your license back after revocation.

How Do I Avoid A Problem?

Remember this simple rule: no insurance, no plates!

Make sure the DMV always has your current address for both your vehicle registration and your driver license. You must keep the liability coverage on your motor vehicle for as long as your vehicle is registered in New York State. Your liability coverage must be provided by a company licensed by the NYS Department of Financial Services. Out-of-state coverage is never acceptable on any vehicle registered in New York State. If your NYS insurance is going to end for any reason, turn in the license plates to DMV before your coverage ends. Be sure to obtain a receipt showing that you turned them in. If your insurance is ending, you must turn in your plates even if your car or truck will be parked off the public road or put into storage.

If you DO NOT have valid liability insurance coverage for your vehicle, you MUST IMMEDIATELY turn in your registration and license plates at a DMV office or mail them to:

Department of Motor Vehicles

2799 Route 112

Medford, NY 11763

NOTE: Motorcycle plates DO NOT have to be surrendered to DMV when liability insurance lapses. However, it is illegal to operate a motorcycle when it does not have proper liability insurance.

What If I Get A Letter From The DMV That States My Insurance Has Lapsed?

Read the letter carefully, and answer it quickly! The DMV letter means an insurance company has notified the DMV that your insurance coverage has ended, and that no other company has notified the DMV about new coverage. Read the insert that came with the letter and follow its instructions carefully. If there is a problem, do not assume your insurance company will take care of it. If you actually do have insurance, respond as the letter instructs, then contact your company or agent about the problem. Ask your company to file a notice of coverage with the DMV electronically.

What If I Get A Letter From The DMV That States My Insurance Company Didn’t Verify My Coverage?

This means your insurance company did not file your coverage with the DMV electronically. Contact your company or agent and ask them to file a notice of coverage. If the DMV does not receive proper notification electronically from the insurance company, your registration and license will be suspended.

What If My Insurance Coverage Has Not Lapsed?

If you receive a cancellation notice from your insurance company and you do not believe your coverage has really ended or been cancelled, contact your insurance agent or company immediately.

  • Do not use the vehicle if coverage has ended, even if you think it ended because of a mistake.
  • If your liability coverage is going to end and you are not going to immediately replace it with other coverage, turn in your license plates to the DMV before coverage ends. If you do not, your vehicle registration and driver license will be suspended.
  • Do not keep the plates while you work out a problem with the insurance company. Turn the plates in to the DMV! You can get your registration back and new plates when the problem is corrected. If your insurance coverage becomes reinstated or if you obtain coverage from a different company, be sure the new company notifies DMV electronically.

Why Did I Get A Suspension For Invalid Proof Of Insurance?

If this happens, your insurance company reported that the proof of insurance you gave to the DMV was not valid and you do not have liability coverage with them. If you do have coverage with that company, contact your insurance company and ask them to file a notice of coverage with the DMV electronically. The company must file notice electronically – paper proof or e-mail messages are NOT acceptable. Your proof of insurance cannot be filed electronically by your insurance agent or broker; it can be filed electronically only by your insurance company.

If your vehicle is now insured with a different company, provide your new insurance ID card to the DMV and ask your new company to file your coverage with the DMV electronically.

What If I Don’t Follow These Steps?

Do not drive any vehicle that is not insured. You could be arrested or ticketed, and your vehicle impounded, by a law enforcement officer. If you do not follow these steps, your vehicle registration will be suspended. You must turn in your vehicle’s license plates to the DMV. The registration suspension will last for the same number of days that your vehicle was without liability coverage and the plates had not been turned in.

If the registration suspension period becomes more than 90 days, your driver license will also be suspended. The license suspension will be in effect until it is reinstated after the end of the registration suspension. To reinstate your driver license, you must pay the DMV a $25 license suspension termination fee. For a suspension that has an effective date on or after July 6, 2009, the termination fee is $50.

How Can I Avoid Suspension of My Registration?

If your insurance coverage lapse is 90 days or less, you may have the choice to pay a civil penalty instead of turning in your license plates to the DMV.  This civil penalty options is not available if your insurance lapse was for more than 90 days or if you have used the civil penalty option for a registration suspension within the previous 36 months.



Cheap Liability Car Insurance Quotes – Titan Insurance #national #car


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Liability Car Insurance

No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

What is liability insurance?

Liability insurance is usually comprised of 3 basic components:

    Bodily injury per person Bodily injury per accident Property damage

Each coverage has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Liability insurance quotes

Affordable liability insurance is easy to find if you know where to look. Titan offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $1 a day.

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.